Beaver County, Pennsylvania

County Distress Index: Normal · 46.5 | 165,631 people · 26th most distressed in Pennsylvania
American Default Research

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Beaver County, PA falls within the normal range for household financial distress at 46.5 — 1808th nationally out of 3144 counties. The primary driver is Economic Vitality, where employment and wage conditions show moderate stress. Within Pennsylvania, it ranks 26th of 67 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Beaver County's primary driver is Economic Vitality at 63.8 — above the national median.

Economic Vitality Primary driver 63.8
Wage-to-Rent Ratio 62
Rent-to-Income Ratio 69
Business Formation Rate 71
House Price Change (YoY) 41
Legal Distress 57.6
Bankruptcy Filing Rate 58
Housing Cost Burden 49.6
Rent-Burdened (30%+) 51
Severely Rent-Burdened (50%+) 46
Mortgage-Burdened (30%+) 57
Homeownership Rate 50
Consumer Credit Distress 41.9
Debt in Collections 43
Medical Debt 34
Auto Loan Delinquency 49
Credit Card Delinquency 61
Uninsured Rate 6
Subprime Credit Population 38
Structural Poverty 39.9
Unemployment Rate 55
Poverty Rate 24
Income vs. State Median 36
Child Poverty Rate 23
Disability Rate 48
Transfer Income Dependency 52

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Beaver County
Beaver County, PA 46.5 Normal —
Hancock County, WV 60.5 Elevated +13.9
Columbiana County, OH 59.7 Elevated +13.2
Lawrence County, PA 51.1 Elevated +4.6
Allegheny County, PA 41.6 Normal -5.0
Washington County, PA 36.2 Normal -10.3
Butler County, PA 28.5 Healthy -18.0

Population Peers

CountyScoreZonevs. Beaver County
Kosciusko County, IN 46.5 Normal -0.0
Shelby County, AL 46.6 Normal +0.0
Yellowstone County, MT 46.7 Normal +0.1
Johnson County, IN 46.7 Normal +0.1
Sandusky County, OH 46.7 Normal +0.1

Download Data

Export all distress indicators for Beaver County as a CSV file.

Find Help in Beaver County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Beaver County.

HOUSING OPPORTUNITIES OF BEAVER COUNTY, INCOR
Rochester
724-728-7511 Website
Foreclosure PreventionFinancial CounselingPre-Purchase

See all counselors in Pennsylvania →

Find an Attorney

Pennsylvania Bar Association Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Pennsylvania Bar Association Lawyer Referral Service 1-800-932-0311

Free Legal Aid

Legal aid organizations serving Beaver County residents at no cost.

Community Legal Services of Philadelphia 215-981-3700
MidPenn Legal Services 1-800-326-9177
Neighborhood Legal Services Association 412-255-6700
Pennsylvania Legal Aid Network (PLAN)
Laurel Legal Services, Inc. (800) 253-9558
Legal Aid of Southeastern Pennsylvania (877) 429-5994
North Penn Legal Services, Inc. (877) 953-4250
Northwestern Legal Services (814) 452-6957
Philadelphia Legal Assistance Center (215) 981-3800
Summit Legal Aid (800) 846-0871

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in Pennsylvania →

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Frequently Asked Questions

  • What is the distress score for Beaver County, Pennsylvania?

    Beaver County has a County Distress Index score of 46.5 out of 100, placing it in the Normal zone. It ranks 1,808th nationally out of 3,144 counties and 26th in Pennsylvania out of 67 counties.

  • What drives financial distress in Beaver County?

    The primary driver of distress in Beaver County is Economic Vitality, where the county scores 63.8 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Beaver County compare to neighboring counties?

    Beaver County (46.5) can be compared to its 6 neighboring counties: Hancock County, WV (60.5); Columbiana County, OH (59.7); Lawrence County, PA (51.1).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Normal zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Beaver County's score of 46.5 sits in the Normal zone (46–55).

  • What data sources power Beaver County's CDI score?

    Beaver County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Beaver County?

    Beaver County, Pennsylvania has a population of approximately 165,631 (2023 Census estimate), classified as a mid county.